Investor Presentaiton

OTHER SEGMENT 1 ADJUSTED NET INCOME², 3 ($MM) -54 -64 -107 -121 -33 Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 1 Represents smaller operating segments including Group Treasury and corporate adjustments 2 Attributable to equity holders of the Bank 3 Adjusted for divestiture-related losses/(gains) and related expenses YEAR-OVER-YEAR HIGHLIGHTS • • Higher investment gains and lower taxes Partly offset by lower contributions from asset/liability management activities and higher expenses QUARTER-OVER-QUARTER HIGHLIGHTS • Higher investment gains Higher contributions from asset/liability management activities Scotiabank. | 11

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